Insurance premium calculation method, system and device and storage medium

Abstract

The invention relates to an insurance premium calculation method, system and device and a storage medium, and the method comprises the steps: obtaining preset rate information which comprises first rate information which is not configured by a wildcard and second rate information which is configured by the wildcard; the first rate information comprises a combined rate dimension and first rate data, and the second rate information comprises a general rate dimension, a key rate dimension and second rate data; in response to a calculation request of a user, matching a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculating the cost of the first insurance policy based on the first rate data; and in response to the completion of cost calculation of the first insurance policy, matching a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculating the cost of the second insurance policy based on the second rate data. The method can improve the calculation efficiency.

Description

Technical Field

[0001] This application relates to the field of information computing technology, and particularly to an insurance premium calculation method, system, device, and storage medium. Background Art

[0002] The insurance rate is the ratio at which the insurer charges the policyholder or the insured for the insurance amount. Currently, under the premise of refined management and cost reduction and efficiency improvement, the cost that can be spent at the marketing end is calculated based on the output premium. The insurance finance has formulated a process for independently grading and calculating available expenses, where the superior formulates the self-retained expenses at this level, plans to allocate the issued expenses to the lower level, and the lower level formulates the expense plan to achieve the management of available expenses. The issued rate of the superior is equal to the sum of the self-retained rate and the issued rate at this level.

[0003] The prior art calculates the available expenses by accurately configuring the rates and matching the policies item by item to calculate the rates. In accurate configuration, none of the rate dimensions can be empty, and the values of the combination keys are unique, including multiple dimensions such as institution, channel, insurance type, payment information, effective information, and hierarchical information. Calculating the rates by the method of accurate configuration requires obtaining the premium information and then matching the rates one by one to calculate the expenses for each premium.

[0004] However, this calculation method has a very large number of rates, in the tens of thousands, with a very high maintenance cost, and is extremely prone to human errors, making it very difficult to troubleshoot. Secondly, the number of calculations is the same as the number of premium items, and the calculation time is long. With the rapid growth of the business, the prior art is increasingly restricted. Each time a new product is launched, the rates need to be configured, the number of rates increases linearly, the maintenance cost increases rapidly, and the calculation time also increases proportionally. Therefore, there is an urgent need for a calculation method to reduce the number of calculations, improve the calculation efficiency, liberate the labor cost, and improve the data accuracy. Summary of the Invention

[0005] Based on this, this application provides an insurance premium calculation method, system, device, and storage medium to solve the problems existing in the prior art.

[0006] In the first aspect, an insurance premium calculation method is provided, and the method includes:

[0007] Obtain the pre-set rate information, where the rate information includes the first rate information without wildcard configuration and the second rate information after wildcard configuration; the first rate information includes the combined rate dimension and the first rate data, and the second rate information includes the wildcard rate dimension, the key rate dimension, and the second rate data;

[0008] In response to a user's calculation request, match a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first insurance policy based on the first rate data;

[0009] In response to the completion of the cost calculation of the first insurance policy, match a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second insurance policy based on the second rate data.

[0010] According to an implementable manner in an embodiment of the present application, the method further includes:

[0011] Obtain the pre-stored hierarchical information;

[0012] Calculate the cost of the insurance policy for each level in sequence according to the hierarchical information, where the insurance policy for each level includes the first insurance policy and the second insurance policy.

[0013] According to an implementable manner in an embodiment of the present application, the calculating the cost of the insurance policy for each level in sequence according to the hierarchical information includes:

[0014] Obtain the insurance policy to be calculated within the current level, match a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first insurance policy based on the first rate data; in response to the completion of the cost calculation of the first insurance policy, match a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second insurance policy based on the second rate data;

[0015] In response to the completion of the cost calculation of each insurance policy within the current level, calculate the cost of the insurance policy to be calculated in the next level according to the hierarchical information.

[0016] According to an implementable manner in an embodiment of the present application, the method further includes:

[0017] Obtain the relationship between the number of rates between each level set in advance;

[0018] Check the cost of the calculated insurance policy based on the quantity relationship. If the calculated cost of the insurance policy does not match the quantity relationship, generate an abnormal signal.

[0019] In a second aspect, an insurance cost calculation system is provided, and the system includes:

[0020] A rate maintenance unit: used to obtain the pre-set rate information, where the rate information includes the first rate information without wildcard configuration and the second rate information after wildcard configuration; the first rate information includes a combined rate dimension and first rate data, and the second rate information includes a wildcard rate dimension, a key rate dimension, and second rate data;

[0021] The first calculation unit: configured to, in response to a user's calculation request, match a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first insurance policy based on the first rate data;

[0022] The second calculation unit: configured to, in response to the completion of the calculation of the cost of the first insurance policy, match a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second insurance policy based on the second rate data.

[0023] According to an implementable manner in an embodiment of the present application, the system further includes: a third calculation unit;

[0024] The third calculation unit is configured to: obtain the pre-stored hierarchical information; calculate the costs of the insurance policies of each level in sequence according to the hierarchical information, where the insurance policies of each level include the first insurance policy and the second insurance policy.

[0025] According to an implementable manner in an embodiment of the present application, the third calculation unit is further configured to:

[0026] Obtain the insurance policies to be calculated within the current level, match a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first insurance policy based on the first rate data; in response to the completion of the calculation of the cost of the first insurance policy, match a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second insurance policy based on the second rate data;

[0027] In response to the completion of the calculation of the costs of each insurance policy within the current level, calculate the costs of the insurance policies to be calculated in the next level according to the hierarchical information.

[0028] According to an implementable manner in an embodiment of the present application, the system further includes: a fourth calculation unit;

[0029] The fourth calculation unit is configured to: obtain the rate quantity relationship preset between each level; check the calculated cost of the insurance policy based on the quantity relationship, and if the calculated cost of the insurance policy does not match the quantity relationship, generate an abnormal signal.

[0030] In a third aspect, a computer device is provided, including:

[0031] At least one processor; and

[0032] A memory communicatively connected to the at least one processor; wherein,

[0033] The memory stores computer instructions executable by the at least one processor. The computer instructions are executed by the at least one processor to enable the at least one processor to execute the method involved in the above first aspect.

[0034] In a fourth aspect, a computer-readable storage medium is provided, on which computer instructions are stored. The computer instructions are characterized in that they are used to cause a computer to execute the method involved in the above first aspect.

[0035] According to the technical content provided by the embodiments of the present application, the embodiments of the present application obtain pre-set rate information, where the rate information includes first rate information without wildcard configuration and second rate information after wildcard configuration. In response to a user's calculation request, based on the first rate information, a first insurance policy corresponding to the combined rate dimension is matched, the cost of the first insurance policy is calculated based on the first rate data, based on the second rate information, a second insurance policy corresponding to the key rate dimension is matched, and the cost of the second insurance policy is calculated based on the second rate data. By configuring rate information with wildcards, the number of rates decreases after wildcard configuration, which can significantly reduce the amount of rates, save maintenance costs, and improve the efficiency of rate calculation. Description of the Drawings

[0036] Figure 1 It is a schematic flowchart of an insurance cost calculation method in an embodiment;

[0037] Figure 2 It is a system architecture diagram applicable to the insurance cost calculation method of the present application;

[0038] Figure 3 It is a flowchart of an insurance cost calculation method in an embodiment;

[0039] Figure 4 It is a structural block diagram of an insurance cost calculation system in an embodiment;

[0040] Figure 5 It is a schematic structural diagram of a computer device in an embodiment. Detailed Embodiments

[0041] The following further details the present application in conjunction with the drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0042] Figure 1 It is a flowchart of an insurance cost calculation method provided by an embodiment of the present application. Figure 2 It is a system architecture diagram applicable to the insurance cost calculation method of the present application. As Figure 2As shown, the system architecture includes users, a display end, and a server end. The insurance cost calculation method provided in this application is applied to Figure 2 the server end therein.

[0043] As Figure 1 shown, an insurance cost calculation method provided by an embodiment of this application may include the following steps:

[0044] Step 101: Obtain pre-set rate information, where the rate information includes first rate information without wildcard configuration and second rate information after wildcard configuration; the first rate information includes a combined rate dimension and first rate data, and the second rate information includes a wildcard rate dimension, a key rate dimension, and second rate data.

[0045] Specifically, when a user logs in to the system to maintain rates, the same rate dimensions that can be configured with wildcards can be configured with wildcards to further obtain the pre-set rate information. The server receives the pre-set rate information, organizes the data according to the pre-set database table structure, and stores it in the database.

[0046] The rate information without setting is shown in Table 1. Table 1 is the rate table with precise configuration in the prior art. In the prior art, by the way of precisely configuring rates, the rates of the policy are matched with the rates in the rate table one by one to calculate the cost.

[0047] Table 1

[0048]

[0049] Table 2

[0050]

[0051] The set rate information is shown in Table 2. The pre-set rate information in this step refers to the rate information after setting. In the setting, the rate items with the same rate, the same level, and the same effective date are configured as one item. Among them, the level and the effective date are the key rate dimensions, and the others are the wildcard rate dimensions, which are replaced by the wildcard "*". The replaced rate information is shown in Table 2.

[0052] For example, the first and third items in Table 1 are configured as the first item in Table 2, the second and fourth items in Table 1 are configured as the second item in Table 2, and the fifth and sixth items in Table 1 are configured as the third item in Table 2. The first to third items in Table 2 are all the second rate information after wildcard configuration. The second rate information includes wildcard rate dimensions (i.e., dimensions such as institution, channel, insurance type, premium payment term, premium payment year, etc.), key rate dimensions (i.e., effective date, level dimension), and second rate data (i.e., retention rate and issued rate). The fourth item in Table 2 corresponds to the 7th item in Table 1 and is the first rate information without wildcard configuration. The first rate information includes combined rate dimensions (i.e., dimensions such as institution, channel, insurance type, premium payment term, premium payment year, effective date, level dimension) and first rate data (i.e., retention rate and issued rate).

[0053] Step 102: In response to the user's calculation request, match the first policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first policy based on the first rate data.

[0054] Step 103: In response to the completion of the cost calculation of the first policy, match the second policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second policy based on the second rate data.

[0055] Specifically, the user logs in to the system to start the calculation engine and sends the request to the server. The server receives the start engine instruction and executes the calculation engine.

[0056] In step 102, the rate information includes the first rate information without wildcard configuration and the second rate information after wildcard configuration. After using wildcards, there will be a situation where one premium can match multiple rates, but one premium can only be calculated once, so there will be a situation where the premium does not match the correct rate. Add priorities to solve the rule of rate priority calculation, to solve the accurately configured first rate information and the generally configured second rate information. Set the priority of the accurately configured rate higher than that of the generally configured rate. First, perform accurate configuration and then general configuration. First, match the first policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first policy based on the first rate data. When the cost calculation of the first policy is completed, then match the second policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second policy based on the second rate data.

[0057] For example, the policy information is shown in Table 3. First, match the first policy corresponding to the combined rate dimension based on the first rate information. That is, the fourth item in Table 2 is the first rate information. Based on the combined rate dimension (i.e., institution, channel, insurance type, payment term, payment year, effective date, level dimension) of this first rate information, match the corresponding policy in the policy information of Table 3, which is policy number 41001. Then, based on the first rate information in the fourth item of Table 2, calculate the cost of the policy with policy number 41001. The calculation results are shown in Table 4.

[0058] In response to the completion of the cost calculation of the first policy, match the second policy corresponding to the key rate dimension based on the second rate information. For example, based on the second rate information in Table 2, calculate the cost of the policy with policy number 11102. The calculation results are shown in Table 4.

[0059] Table 3

[0060]

[0061] Table 4

[0062]

[0063] It can be seen that in the embodiment of the present application, by obtaining the pre-set rate information, the rate information includes the first rate information without wildcard configuration and the second rate information after wildcard configuration. In response to the user's calculation request, match the first policy corresponding to the combined rate dimension based on the first rate information, calculate the cost of the first policy based on the first rate data, match the second policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second policy based on the second rate data. By configuring the rate information with wildcards in the present application, the number of rates is reduced after wildcard configuration, which can greatly reduce the amount of rates, save maintenance costs, and improve the efficiency of rate calculation.

[0064] In an embodiment of the present application, the method further includes: obtaining the pre-stored level information; calculating the cost of the policy for each level in turn according to the level information, where the policy for each level includes the first policy and the second policy.

[0065] Specifically, the pre-stored hierarchical information includes the head office and branch offices. The rates are configured by level and divided into two levels: the head office level and the branch office level. That is, the head office is the superior and the branch office is the subordinate, and multi-level configuration is supported. According to the hierarchical information, first calculate the cost of each policy within the superior head office level, and then calculate the cost of the policies within the subordinate branch office level. When calculating the cost of the policies within each level separately, it includes calculating the cost of the first policy based on the first rate information and calculating the cost of the second policy based on the second rate information.

[0066] In an embodiment of the present application, the step of calculating the cost of the policies of each level in sequence according to the hierarchical information includes: obtaining the policies to be calculated within the current level, matching the first policy corresponding to the combined rate dimension based on the first rate information, and calculating the cost of the first policy based on the first rate data; in response to the completion of the cost calculation of the first policy, matching the second policy corresponding to the key rate dimension based on the second rate information, and calculating the cost of the second policy based on the second rate data; in response to the completion of the cost calculation of each policy within the current level, calculating the cost of the policies to be calculated within the next level according to the hierarchical information.

[0067] Specifically, according to the hierarchical information, first calculate the cost of each policy within the superior head office level, and then calculate the cost of the policies within the subordinate branch office level. When calculating the cost of the policies within each level separately, first calculate the cost of the first policy based on the first rate information, and in response to the completion of the cost calculation of each policy within the current level, calculate the cost of the second policy based on the second rate information.

[0068] In an embodiment of the present application, the method further includes: obtaining the relationship between the number of rates between each level set in advance; checking the cost of the calculated policies based on the relationship. If the cost of the calculated policies does not match the relationship, an abnormal signal is generated.

[0069] Specifically, the relationship between the number of rates between each level includes: the issued rate of the superior = the retention rate of the current level + the issued rate of the current level. Checking the cost of the policies of the superior and subordinate levels calculated based on the relationship. If the cost of the calculated policies of the superior and subordinate levels does not match the relationship, an abnormal signal is generated.

[0070] For example, first, configure the rates with wildcards, using the "*" wildcard to replace the dimensions with the same rate, reducing the maintenance cost of the amount of rates. The rates before configuration are shown in Table 5, and those after configuration are shown in Table 6.

[0071] Table 5

[0072]

[0073] Table 6

[0074]

[0075] Secondly, perform priority setting. After using wildcards, there will be a situation where one premium can match multiple rates. However, in reality, one premium can only be calculated once, so there may be a situation where the premium does not match the correct rate. Increase the priority to solve the rule of calculating rates first, and solve the rates for precise configuration and general configuration. Generally, the priority of precise configuration is higher than that of general configuration, which is specified by the configurator; the configuration of priorities is sorted within the same level. For example, the priorities within the head office level are not repeated, and the priorities within the branch office level are not repeated; the smaller the priority value, the higher the priority. When calculating the rate, the priorities are sorted in ascending order, and the effective dates are sorted in descending order, as shown in Table 7.

[0076] Table 7

[0077]

[0078] Thirdly, dynamically self-check the consistency between the upper and lower levels during the calculation. After calculating the rates using wildcards, the relationship between the upper and lower levels of the rate matching cannot be obtained during configuration for verification. Therefore, it is necessary to dynamically check whether the calculated fees between the upper and lower levels are consistent during the calculation to improve the recognition of abnormal data. Taking the following premium and the above rate configuration as an example, the self-check process is described. The policy information is shown in Table 8. The first step is to calculate the fees at the head office level, as shown in Table 9. The second step is to calculate the fees at the branch office level, and the results are shown in Table 10.

[0079] Table 8

[0080]

[0081] Table 9

[0082]

[0083] Table 10

[0084]

[0085] During the calculation, perform the following checks: The retention fee of Branch Office for Policy No. 11021 + the issued fee of Branch Office for Policy No. 11021 = the issued fee of Head Office for Policy No. 11021. When the check is consistent, mark the calculation as normal; when the check is inconsistent, mark the calculation as abnormal and note the inconsistent rates respectively for easy troubleshooting; improve the efficiency of manual inspection.

[0086] It can be seen that the embodiments of the present application have the following advantages:

[0087] (1) Greatly reduce the number of rates, save maintenance costs, and improve the efficiency of rate calculation.

[0088] (2) Support general and case-specific accurate calculation.

[0089] (3) Automatically detect the consistency of upper and lower level fees, give warning prompts, and improve the recognition of abnormal data.

[0090] Based on the above embodiments, in a specific embodiment of the present application, as Figure 3 shown, the following steps are included:

[0091] 1. Obtain all rate levels to be calculated, such as levels of head office, branch offices, etc., and store them in a list collection.

[0092] 2. Determine whether there are still rate levels to be calculated in the collection:

[0093] (1) If there are no rate levels in the collection, the current calculation ends.

[0094] (2) If there are still rate levels to be calculated in the collection, proceed to the next step and continue calculating the rate of the next level.

[0095] 3. Obtain the highest rate level from the collection of uncalculated rate levels as the level for the current calculation, hereinafter referred to as "this level".

[0096] 4. Obtain all rate pools of this level from the rate table, sort them in ascending order of priority and descending order of rate value effective date, and store them in a List collection.

[0097] 5. Determine whether all rates of this level have been fully matched with premiums or whether the premiums participating in the calculation of this level have all been calculated.

[0098] (1) If either one of them is calculated, delete this level from the list of rate levels to be calculated, and then jump to step 2 to calculate the rate of the next level.

[0099] (2) If neither of them is calculated, obtain rates from the rate pool of this level for loop calculation.

[0100] 6. Sequentially obtain the next rate in the rate pool, use the values of each dimension of the rate as query conditions, and only splice non-wildcard dimensions (key dimensions); query the premiums that have participated in the upper-level calculation and have not participated in the current-level calculation, and at the same time satisfy the premium data with the values of each dimension of the non-wildcard items of the rate.

[0101] 7. Sequentially calculate premium data * rate = available expenses to generate available expense data.

[0102] 8. Query the rate issued by the superior for this premium and determine whether it is consistent with the rate of this level.

[0103] (1) If they are inconsistent, the available expense data can be marked as calculation abnormal data, and the upper and lower rates are inconsistent.

[0104] (2) If they are consistent, the available expense data can be marked as calculation normal data.

[0105] 9. Store the available expense data, and mark the rate level of the last calculation of this premium data as this level.

[0106] 10. After the premium calculation related to this rate is completed, obtain the next rate, jump to step 5, and continue to execute.

[0107] It can be seen that in the embodiment of the present application, by obtaining the pre-set rate information, the rate information includes the first rate information without wildcard configuration and the second rate information after wildcard configuration, in response to the user's calculation request, based on the first rate information, match the first policy corresponding to the combined rate dimension, calculate the expense of the first policy based on the first rate data, based on the second rate information, match the second policy corresponding to the key rate dimension, and calculate the expense of the second policy based on the second rate data. By configuring the rate information with wildcards in the present application, the number of rates is reduced after wildcard configuration, which can greatly reduce the amount of rates, save maintenance costs, and improve the rate calculation efficiency.

[0108] It should be understood that although Figure 1 the steps in the flowchart are shown in sequence according to the arrows, these steps do not necessarily need to be executed in the order indicated by the arrows. Unless there is a clear indication in the present application, the execution of these steps has no strict order limit, and these steps can be executed in other orders. Moreover, Figure 1 at least a part of the steps in

[0109] Figure 4 is a schematic structural diagram of an insurance expense calculation system provided by an embodiment of the present application. As Figure 4 shown, the system may include:

[0110] Maintenance rate unit 401: It is used to obtain pre-set rate information, where the rate information includes first rate information without wildcard configuration and second rate information after wildcard configuration; the first rate information includes a combined rate dimension and first rate data, and the second rate information includes a wildcard rate dimension, a key rate dimension, and second rate data;

[0111] First calculation unit 402: It is used to respond to the user's calculation request, match the first policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first policy based on the first rate data;

[0112] Second calculation unit 403: It is used to respond to the completion of the cost calculation of the first policy, match the second policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second policy based on the second rate data.

[0113] In an embodiment of the present application, the system further includes: a third calculation unit;

[0114] The third calculation unit is used to: obtain pre-stored hierarchical information; calculate the cost of each level of policy in turn according to the hierarchical information, where each level of policy includes the first policy and the second policy.

[0115] In an embodiment of the present application, the third calculation unit is further used to:

[0116] Obtain the policies to be calculated within the current level, match the first policy corresponding to the combined rate dimension based on the first rate information, and calculate the cost of the first policy based on the first rate data; respond to the completion of the cost calculation of the first policy, match the second policy corresponding to the key rate dimension based on the second rate information, and calculate the cost of the second policy based on the second rate data;

[0117] Respond to the completion of the cost calculation of each policy within the current level, and calculate the cost of the policies to be calculated in the next level according to the hierarchical information.

[0118] In an embodiment of the present application, the system further includes: a fourth calculation unit;

[0119] The fourth calculation unit is used to: obtain the relationship between the number of rates between each level pre-set; check the cost of the calculated policy based on the quantity relationship, and if the cost of the calculated policy does not match the quantity relationship, generate an abnormal signal.

[0120] Based on the above embodiments, in a specific example of the present application, an insurance cost calculation system is provided, including:

[0121] Maintenance rate unit: supports wildcard rate file import, addition, modification, deletion and other functions. Through wildcard configuration, the rate maintenance cost is greatly reduced.

[0122] Calculation engine unit: First, calculate hierarchically, from high to low levels, from the head office level to the branch level, layer by layer, to facilitate the subsequent cost consistency check between levels. Secondly, each layer matches the eligible premiums one by one according to the ascending order of priority and the descending order of effective date, and calculates the costs of this level. Finally, the costs issued by the upper layer of the calculated premium are compared with the costs of this layer for consistency, and normal and abnormal data are marked.

[0123] Result display unit: According to the user's query conditions, query the fees at each level and display the fee results. By selecting abnormal data, all abnormal data can be queried for users to check the rates. It can also query the premium information that has not been matched to the rate, so that users can judge the rationality of the rate.

[0124] According to the specific embodiments provided in this application, the technical solution provided in this application can have the following advantages:

[0125] By obtaining the pre-set rate information, the rate information includes the first rate information that has not been configured with wildcards and the second rate information that has been configured with wildcards, in response to the user's calculation request, the first insurance policy corresponding to the combined rate dimension is matched based on the first rate information, the cost of the first insurance policy is calculated based on the first rate data, the second insurance policy corresponding to the key rate dimension is matched based on the second rate information, and the cost of the second insurance policy is calculated based on the second rate data. The present application configures the rate information through wildcards, and the number of rates is reduced after the wildcard configuration, which can greatly reduce the amount of rates, save maintenance costs, and improve the efficiency of rate calculation. Greatly reduce the number of rates, save maintenance costs, and improve the efficiency of rate calculation. Support general and case-by-case precise calculations. Automatically detect the consistency of upper and lower level costs, and provide early warning prompts to improve the recognition of abnormal data.

[0126] The same or similar parts between the above embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0127] It should be noted that the embodiments of this application may involve the use of user data. In practical applications, user-specific personal data can be used in the solutions described herein within the scope permitted by applicable laws and regulations of the country where the user is located (such as when the user clearly consents, is effectively notified, and clearly authorizes).

[0128] According to an embodiment of the present application, the present application further provides a computer device and a computer-readable storage medium. The present application further provides a computer device, including at least one processor and a memory communicatively connected to the at least one processor; wherein, the memory stores computer instructions executable by the at least one processor, and the computer instructions are executed by the at least one processor to enable the at least one processor to execute the insurance cost calculation method described in any of the above embodiments.

[0129] As Figure 5 shown, it is a block diagram of a computer device according to an embodiment of the present application. The computer device is intended to represent various forms of digital computers or mobile systems. Among them, digital computers can include desktop computers, portable computers, workstations, personal digital assistants, servers, mainframe computers, and other suitable computers. Mobile systems can include tablet computers, smart phones, wearable devices, etc.

[0130] As Figure 5 shown, the computer device 500 includes a computing unit 501, a ROM 502, a RAM 503, a bus 504, and an input / output (I / O) interface 505. The computing unit 501, the ROM 502, and the RAM 503 are connected to each other through the bus 504. The input / output (I / O) interface 505 is also connected to the bus 505.

[0131] The computing unit 501 can execute various processes in the method embodiments of the present application according to the computer instructions stored in the read-only memory (ROM) 502 or the computer instructions loaded from the storage unit 508 into the random access memory (RAM) 503. The computing unit 501 can be various general and / or special processing components with processing and computing capabilities. The computing unit 501 can include, but is not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. In some embodiments, the method provided by the embodiments of the present application can be implemented as a computer software program, which is tangibly included in a computer-readable storage medium, such as the storage unit 508.

[0132] The RAM 505 can also store various programs and data required for the operation of the device 500. Part or all of the computer programs can be loaded and / or installed onto the device 500 via the ROM 502 and / or the communication unit 509.

[0133] The input unit 506, output unit 507, storage unit 508, and communication unit 509 in the computer device 500 can be connected to the I / O interface 505. Among them, the input unit 506 can be such as a keyboard, mouse, touch screen, microphone, etc.; the output unit 507 can be such as a display, speaker, indicator light, etc. The device 500 can exchange information, data, etc. with other devices through the communication unit 509.

[0134] It should be noted that the device may also include other components necessary for normal operation. It may also only include the components necessary to implement the solution of this application, and does not necessarily include all the components shown in the figure.

[0135] The various embodiments of the systems and technologies described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof.

[0136] The computer instructions for implementing the methods of this application can be written in any combination of one or more programming languages. These computer instructions can be provided to the computing unit 501, such that when the computer instructions are executed by a computing unit 501 such as a processor, the various steps involved in the method embodiments of this application are executed.

[0137] This application also provides a computer-readable storage medium, on which computer instructions are stored, and the computer instructions are used to cause a computer to execute the insurance cost calculation method described in any one of the above embodiments.

[0138] The computer-readable storage medium provided by this application can be a tangible medium, which can contain or store computer instructions for executing the various steps involved in the method embodiments of this application. The computer-readable storage medium can include, but is not limited to, storage media in the forms of electronic, magnetic, optical, electromagnetic, etc.

[0139] The above specific embodiments do not constitute a limitation on the protection scope of this application. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this application shall be included within the protection scope of this application.

Claims

1. An insurance premium calculation method, characterized in that, the method comprises: obtaining pre-set rate information, the rate information including first rate information without wildcard configuration and second rate information after wildcard configuration; the first rate information includes a combined rate dimension and first rate data, and the second rate information includes a wildcard rate dimension, a key rate dimension and second rate data; responding to a user's calculation request, matching a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculating the premium of the first insurance policy based on the first rate data; responding to the completion of the premium calculation of the first insurance policy, matching a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculating the premium of the second insurance policy based on the second rate data.

2. The insurance premium calculation method according to claim 1, characterized in that, the method further comprises: obtaining pre-stored hierarchical information; sequentially calculating the premiums of the insurance policies at each level according to the hierarchical information, wherein each level of insurance policies includes the first insurance policy and the second insurance policy.

3. The insurance premium calculation method according to claim 2, characterized in that, the sequentially calculating the premiums of the insurance policies at each level according to the hierarchical information includes: obtaining the insurance policies to be calculated within the current level, matching a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculating the premium of the first insurance policy based on the first rate data; responding to the completion of the premium calculation of the first insurance policy, matching a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculating the premium of the second insurance policy based on the second rate data; responding to the completion of the premium calculation of each insurance policy within the current level, calculating the premiums of the insurance policies to be calculated in the next level according to the hierarchical information.

4. The insurance premium calculation method according to claim 2, characterized in that, the method further comprises: obtaining the relationship between the number of rates between each level pre-set; checking the premiums of the calculated insurance policies based on the quantitative relationship, and generating an abnormal signal if the premiums of the calculated insurance policies do not match the quantitative relationship.

5. An insurance premium calculation system, characterized in that, the system comprises: a rate maintenance unit: used for obtaining pre-set rate information, the rate information including first rate information without wildcard configuration and second rate information after wildcard configuration; the first rate information includes a combined rate dimension and first rate data, and the second rate information includes a wildcard rate dimension, a key rate dimension and second rate data; a first calculation unit: used for responding to a user's calculation request, matching a first insurance policy corresponding to the combined rate dimension based on the first rate information, and calculating the premium of the first insurance policy based on the first rate data; a second calculation unit: used for responding to the completion of the premium calculation of the first insurance policy, matching a second insurance policy corresponding to the key rate dimension based on the second rate information, and calculating the premium of the second insurance policy based on the second rate data.

6. The insurance premium calculation system according to claim 5, wherein, the system further includes: a third calculation unit; the third calculation unit is configured to: obtain the pre-stored hierarchical information; calculate the premiums of the policies for each level in sequence according to the hierarchical information, wherein each level of policies includes the first policy and the second policy.

7. The insurance premium calculation system according to claim 6, wherein, the third calculation unit is further configured to: obtain the policies to be calculated within the current level, match the first policy corresponding to the combined rate dimension based on the first rate information, and calculate the premium of the first policy based on the first rate data; in response to the completion of the premium calculation of the first policy, match the second policy corresponding to the key rate dimension based on the second rate information, and calculate the premium of the second policy based on the second rate data; in response to the completion of the premium calculation of each policy within the current level, calculate the premiums of the policies to be calculated in the next level according to the hierarchical information.

8. The insurance premium calculation method according to claim 6, wherein, the system further includes: a fourth calculation unit; the fourth calculation unit is configured to: obtain the relationship between the number of rates between each level set in advance; check the premiums of the calculated policies based on the relationship, and generate an abnormal signal if the premiums of the calculated policies do not match the relationship.

9. A computer device, comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores computer instructions executable by the at least one processor, and the computer instructions are executed by the at least one processor so that the at least one processor can execute the method according to any one of claims 1-4.

10. A computer-readable storage medium, on which computer instructions are stored, wherein, the computer instructions are used to cause a computer to execute the method according to any one of claims 1 to 4.

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